Stock PNB PUNJAB NATIONAL BANK
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Financials Punjab National Bank

Equities

PNB

INE160A01022

Banks

Market Closed - NSE India S.E.
Other stock markets
 07:43:56 2024-07-04 am EDT 		5-day change 1st Jan Change
121.5 INR -0.09% Intraday chart for Punjab National Bank +1.95% +26.92%
Jun. 27 India's RBL Bank to raise 65 billion rupees via institutional placement of shares, debt issue RE
Jun. 17 Fortis, Apollo, Medanta, and Max Lead the Charge in Bidding War for Jaypee Healthcare CI

Valuation

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Capitalization 1 217,960 384,007 385,936 513,113 1,369,770 1,339,380 - -
Enterprise Value (EV) 1 217,960 384,007 385,936 513,113 1,369,770 1,339,380 1,339,380 1,339,380
P/E ratio 52.2 x 17.6 x 11.1 x 20.4 x 16.6 x 10.1 x 8.6 x 7.67 x
Yield - - 1.83% 1.39% - 1.98% 2.33% 2.61%
Capitalization / Revenue 0.82 x 0.89 x 0.94 x 1.1 x 2.56 x 2.34 x 2.14 x 2.07 x
EV / Revenue 0.82 x 0.89 x 0.94 x 1.1 x 2.56 x 2.34 x 2.14 x 2.07 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.35 x 0.42 x 0.4 x 0.51 x - 1.18 x 1.06 x 0.95 x
Nbr of stocks (in thousands) 6,737,566 10,477,682 11,011,016 11,011,016 11,011,016 11,011,016 - -
Reference price 2 32.35 36.65 35.05 46.60 124.4 121.6 121.6 121.6
Announcement Date 6/19/20 6/4/21 5/11/22 5/19/23 5/9/24 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Net sales 1 267,119 432,888 410,144 466,342 534,666 572,018 627,291 646,439
EBITDA - - - - - - - -
EBIT 1 147,386 229,801 207,618 225,288 249,308 283,032 315,942 341,613
Operating Margin 55.18% 53.09% 50.62% 48.31% 46.63% 49.48% 50.37% 52.85%
Earnings before Tax (EBT) 1 7,390 34,794 43,164 42,883 131,942 200,660 225,453 249,317
Net income 1 3,362 20,216 34,570 25,072 82,446 134,270 158,125 179,048
Net margin 1.26% 4.67% 8.43% 5.38% 15.42% 23.47% 25.21% 27.7%
EPS 2 0.6200 2.080 3.160 2.280 7.490 12.07 14.14 15.87
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - 0.6400 0.6500 - 2.410 2.832 3.178
Announcement Date 6/19/20 6/4/21 5/11/22 5/19/23 5/9/24 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 105,038 97,542 100,798 111,179 125,173 129,191 129,381 129,512 129,666 146,107 -
EBITDA - - - - - - - - - - -
EBIT 1 50,763 52,648 53,792 55,672 57,159 58,664 59,680 62,164 63,307 64,157 61,479
Operating Margin 48.33% 53.97% 53.37% 50.07% 45.66% 45.41% 46.13% 48% 48.82% 43.91% -
Earnings before Tax (EBT) 17,228 4,133 5,890 6,608 10,026 20,358 20,027 27,722 35,916 48,276 -
Net income 1 11,268 2,016 3,084 4,113 6,289 11,586 12,554 17,561 22,228 30,103 35,169
Net margin 10.73% 2.07% 3.06% 3.7% 5.02% 8.97% 9.7% 13.56% 17.14% 20.6% -
EPS 1.020 0.1800 0.2800 0.3700 0.5700 1.050 1.140 1.590 2.020 2.730 -
Dividend per Share - - - - - - - - - - -
Announcement Date 1/28/22 5/11/22 7/28/22 11/1/22 1/30/23 5/19/23 7/26/23 10/26/23 1/25/24 5/9/24 -
1INR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 0.63% 2.64% 2.4% 3.94% - 12.2% 12.9% 12.4%
ROA (Net income/ Total Assets) 0.04% 0.15% 0.26% 0.18% 0.54% 0.82% 0.91% 0.87%
Assets 1 8,405,000 13,477,467 13,296,000 13,928,889 15,267,815 16,388,003 17,361,113 20,532,991
Book Value Per Share 2 92.60 86.80 86.70 90.70 - 103.0 115.0 129.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 6/19/20 6/4/21 5/11/22 5/19/23 5/9/24 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Punjab National Bank

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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